Compare the Best Pet Insurance Companies of 2025

What to consider when comparing top pet insurance providers

With so many pet insurance companies and plans to choose from, finding the right one can feel overwhelming. That’s why we’ve created side-by-side comparison charts to help you quickly and confidently choose the best provider and plan for your pet. We also recommend keeping the following in mind when shopping for a plan:

Brand trust

Be sure to check the reviews for pet insurance companies from a variety of sources. Those with a long track record and a satisfied customer base are generally more reliable than newer insurers with limited ratings. Our platform aggregates review data from various sources like Trustpilot, Consumer Affairs, and more, giving pet parents the most up-to-date and comprehensive overview of an insurer without having to sift through multiple reviews and sites.

Extent of coverage

Understanding what pet insurance covers is key to choosing the right plan. While accident and illness plans are generally similar across providers, coverage details and terms can vary. For example, two companies may both offer dental coverage, but one might include dental cleanings in the base plan if prescribed, while the other treats them as a preventative service they offer coverage for at an extra charge.

Waiting periods

Pet insurance typically has a waiting period before accident and illness coverage starts and this period varies across providers and coverage types. Let’s say you enroll your pet in a plan with a 14-day waiting period for accidents and illnesses. If you visit the vet within 3 days of enrolling, that visit won’t be covered. Also, if a pet shows signs of illness during the waiting period, it will not be covered.

Claims and reimbursement timelines

Faster claims and reimbursement is a top contributor to customer satisfaction. The claims process depends on the complexity of your claim and your provider. Some pet insurance providers process claims in as little as 24 hours while others average around 15 days. Similarly, the amount of time it takes to get reimbursed after a claim is approved can vary by provider and the preferred payment form you’ve selected. Some providers, like Pets Best and Trupanion, expedite this process and offer direct vet pay, so you don’t have to wait for reimbursement.

Browse Our Pet Insurance Comparison Charts

Compare the top insurers for dogs and cats side-by-side by clicking on the links below to access our comparison charts. Each chart compares coverage, reviews, deductible options, reimbursement rates and timelines, and more to help you find the right plan for you and your pet.

Why Trust Our Pet Insurance Comparison

Since 2011, we’ve been helping pet owners find the right coverage with clear and unbiased recommendations tailored to their needs and preferences. Our platform makes it easy to understand and compare pet insurance–all in one place, at no cost to you. With us, there’s no need to shop around on multiple sites! While our partners help keep our services free, we’re not tied to any specific provider. The price you see for a plan on our site is the same as what you would find if you requested a quote directly from an insurer.